Minimum car insurance requirements in Montana
The minimum car insurance requirements in Montana are 25/50/20 in liability limits. State minimum coverage pays for injuries and property damage you cause to others, but does not cover damage to your own vehicle.
- 25/50/20 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Montana is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State Minimum Requirements | 25/50/20 |
| State minimum car insurance | $422 |
| Liability-only car insurance | $604 |
| Full coverage car insurance | $2,541 |
Average cost of car insurance in Montana
Car insurance in Montana costs around $2,541 annually for full coverage with 100/300/100 limits and $500 deductibles. Minimum coverage costs about $422 per year.
Rates change based on company, location, vehicle, driving history, and coverage choices.
| Average annual premium | $2,541 |
| Average monthly premium | $212 |
Cheapest car insurance companies in Montana
State Farm offers the cheapest average car insurance rates in Montana for a full coverage policy. Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records.
Comparing quotes from multiple companies can help drivers find lower premiums and better coverage options.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| State Farm | $249 | $388 | $1,914 |
| Nationwide | $577 | $714 | $2,180 |
| Kemper | $477 | $585 | $2,692 |
| GEICO | $246 | $391 | $2,821 |
| Farmers | $495 | $1,036 | $2,984 |
| Progressive | $453 | $601 | $3,101 |
| Allstate | $696 | $828 | $3,322 |
| USAA | $185 | $234 | $1,276 |
Montana car insurance rates by age group
Age plays a role in car insurance rates. In Montana, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Montana based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $7,618 |
| Young Adults (20-24) | $3,953 |
| Adults (25-60) | $2,509 |
| Seniors (65-75) | $2,439 |
Montana car insurance costs by coverage level
Generally, Montana minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Montana car insurance costs based on coverage level below.
| State minimum car insurance | $422 |
| Liability-only car insurance | $604 |
| Full coverage car insurance | $2,541 |
Cheapest car insurance companies in Montana by driver profile
If you have a violation or accident on your record, you can expect to pay more for car insurance in Montana. The highest rates in Montana are for drivers with Bad Credit. If you have a DUI, several accidents, or a history of reckless driving, your insurance rates will be much higher.
Comparing quotes becomes especially important for high-risk drivers because insurers apply rate increases differently.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $2,541 | $3,575 | $1,034 | 41% |
| Bad Credit | $2,541 | $4,704 | $2,162 | 85% |
| Careless driving | $2,541 | $3,116 | $575 | 23% |
| Claims | $2,541 | $2,897 | $356 | 14% |
| DUI | $2,541 | $4,174 | $1,633 | 64% |
| Reckless driving | $2,541 | $4,066 | $1,524 | 60% |
| Speeding | $2,541 | $3,514 | $973 | 38% |
| Texting ticket | $2,541 | $3,133 | $592 | 23% |
How much does car insurance cost in Montana per month?
The average monthly cost of car insurance in Montana depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium | Average annual cost |
|---|---|---|
| State Minimum BI/PD | $35 | $422 |
| Liability Only - 50/100/50 BI/PD | $50 | $604 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $212 | $2,541 |
Car insurance discounts in Montana
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Montana, savings can be very different from one company to another.
Common car insurance discounts include:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving discount
- Multi-vehicle discount
- Anti-theft device discount
- Telematics discount
- Paperless billing discount
Ask about all available discounts before purchasing coverage.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Anti-Theft Device | $2,541 | $2,436 | $105 | 4% |
| Comp and Coll Deductibles | $2,541 | $2,006 | $535 | 20% |
| Daily Commute | $2,541 | $2,437 | $104 | 4% |
| Days Advanced Purchase | $2,541 | $2,362 | $180 | 7% |
| Days Per Week Driven | $2,541 | $2,437 | $104 | 4% |
| Education | $2,541 | $2,353 | $188 | 8% |
| Electronic Funds Transfer | $2,541 | $2,474 | $67 | 3% |
| Electronic Signature | $2,541 | $2,288 | $253 | 10% |
| Homeowner | $2,541 | $2,359 | $183 | 7% |
| Lower Annual Mileage | $2,541 | $2,441 | $100 | 4% |
| Loyalty - Years Renewal With Company | $2,541 | $2,415 | $126 | 7% |
| Marital Status | $2,541 | $2,345 | $197 | 8% |
| Multi Policy | $2,541 | $2,334 | $207 | 8% |
| Paperless/Electornic Documents | $2,541 | $2,424 | $117 | 4% |
| Payment Type | $2,541 | $2,365 | $176 | 7% |
| Primary Use | $2,541 | $2,369 | $172 | 8% |
| Profession | $2,541 | $2,263 | $279 | 11% |
| Safety Devices | $2,541 | $2,459 | $83 | 3% |
| Telematics | $2,541 | $2,332 | $209 | 8% |
| Years Insured | $2,541 | $2,090 | $452 | 16% |
How to lower car insurance costs in Montana
You can lower your car insurance premiums in Montana by comparing quotes from multiple insurers, choosing a higher deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., and maintaining a clean driving record.
Ways to save on car insurance include:
- Compare quotes from multiple insurers
- Raise deductibles
- Maintain a clean driving record
- Bundle insurance policies
- Drive a vehicle with lower repair costs
- Ask about available discounts
- Reduce optional coverage on an older vehicle
Review your policy regularly to ensure it continues to provide the right level of coverage at competitive rates.
Car insurance rates in Montana by model year
The vehicle you drive also affects Montana car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Montana car insurance rates below.
Compare Accord insurance rates by state
| Company | Average annual premium |
|---|---|
| Nationwide | $2,278 |
| State Farm | $2,294 |
| Travelers | $2,520 |
| UAIC | $2,680 |
| GEICO | $3,072 |
| Mercury Insurance | $3,808 |
| Allstate | $4,208 |
| Farmers | $4,559 |
| Progressive | $4,588 |
| AIG | $5,738 |
Compare auto insurance rates by city in Montana
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Montana will impact what you pay. Below, we've gathered Montana car insurance rates by city for comparison.
Car insurance premium trends in Montana
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Montana to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Coverage recommendations and insurance comparisons are based on commonly available personal auto insurance policies and state insurance requirements.
Example coverage scenarios use the following assumptions unless otherwise noted:
- 40-year-old driver
- Honda Accord LX
- Good credit
- Clean driving record
- 12,000 annual miles driven
- Full coverage with 100/300/100 liability limits
- $500 collision and comprehensive deductibles
Additional data comparisons include:
- State minimum liability requirements
- Multiple deductible levels
- Optional coverage endorsements
- High-risk driver scenarios
- Multiple vehicle values and driver profiles
Coverage examples are for comparison purposes only. Actual premiums, requirements and coverage availability vary by insurer and driver profile.
Car insurance in Montana: FAQ
How much is car insurance in Montana?
Car insurance in Montana costs an average of $2,541 annually for full coverage and $422 per year for minimum coverage policies.
Which company has the cheapest car insurance in Montana?
State Farm offers the cheapest average car insurance rates in Montana.
What does full coverage car insurance include?
Full coverage insurance includes liability insurance and all coverage required by Montana law, plus collision and comprehensive coverage for damage to your own vehicle.
Why does car insurance cost more after a DUI or accident?
Car insurance in Montana costs an average of $2,541 annually for full coverage and $422 per year for minimum coverage policies.
Compare Montana car insurance rates with other states
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